By: Drew Samson
Why is it that most of us don't think twice when we're spending hundreds or even thousands of dollars on luxuries and "toys." But, when the issue of "insurance" and protecting our families and ourselves comes up - we back off?
It's very important for you to spare some time and make sure your family is properly covered in health insurance. Having a surprise health problem can literally cost you a fortune if you don't have health insurance and you also get much lower quality of medical care without health insurance.
Here are 6 tips to help you save up to 30% and to make sure you get the most fitting plan:
Look In Your Local Area
Start your research by looking at your state's website under the insurance department. Make sure to look at your state specifically because prices/plans and laws are different by state. The site should list the many companies, what types of policies, rough prices and even have information on affordable health care insurance programs.
List Your Priorities
If you have a favorite doctor, make sure to choose an insurance company that covers their service. Start to narrow things down by your needs, whether that means low premiums, customer service or the doctor you're already seeing.
Don't be afraid to use a broker
It can make life much easier on you to bring on a broker to help. This is mainly because they have relationships with multiple companies - they can help you find the best fit for you. Brokers will do all your leg work and also advise you on how to get your prices down.
Get something called a *Free Look*
Just like you test-drive a car, you can take an insurance program for a test drive many times. Anywhere from 1-6 weeks, this is a money back period if you don't like the plan.
Get a Health Savings Account
If you visit a doctor very infrequently, or just 2 times a year, an HSA is a good option for you. An HSA works well with an insurance policy that has high deductibles, but low is a very affodable health care insurance program. Money put into this account goes in pre-tax and grows tax-deferred, you can then use it any time to help pay medical expenses.
You Can Always Negotiate
You can negotiate with your doctors for their co-payments and for what kinds of medications they give you. Always ask for alternative treatments or the generic brands - let the doctor make the final decision though.
Just realize that even in America, no matter what some people say - it is still very possible to get affordable health care insurance programs - on the internet, just apply!
Article Source: http://www.articleyard.com
Information about the Author:
Drew Samson is a health insurance professional and pracitces in helping you find the best affordable health care insurance plan to protect you and your loved ones.
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1 comment:
The six tips that you have mentioned are not so promising as I have find that we can get an affordable plan if we opt to but it online and do a comparison shopping i.e comparing quotes of several providers at a time.
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